How AmicaPay works.
A transparent look at how we connect banks, brands, and consumers, and why it works better than every loyalty programme before it.
How cashback works
What is cashback
Cashback is a form of loyalty where the merchant returns a percentage of the purchase value as real money to the customer's account after paying by card (debit or credit).
A shared ecosystem
AmicaPay connects banks, merchants, and cardholders in a shared cashback ecosystem, where the reward is paid out automatically - no additional steps required from the customer.
Roles in the network
Banks offer the service to their customers, merchants set the campaign conditions, and AmicaPay provides the technology and operational logic for cashback disbursement.
Value for everyone
This way customers receive clear and real value, merchants encourage repeat purchases, and financial institutions increase card payment usage while adding new value to their products.
Cashback, not a discount
Unlike classic discounts, which reduce the price before a purchase, cashback is received after it. This does not encourage impulse buying - it creates a clear sense of reward and added value.
Loyalty and responsibility
The customer knows exactly which merchant returned part of the amount and is motivated to return again - so cashback works both for loyalty and for more responsible consumption.
AmicaPay in a few steps
The customer pays by card at a partner merchant.
The merchant funds the cashback campaign according to agreed terms.
AmicaPay processes the campaign logic and disbursement.
The bank or fintech partner credits the cashback amount to the end customer's account.
How AmicaPay works.
A transparent look at how we connect banks, brands, and consumers, and why it works better than every loyalty programme before it.
Cardholder
No app. No sign-up.
Shop normally
Pay at any AmicaPay partner brand with your existing bank card - in-store or online. No voucher code, no special checkout.
Cashback accumulates
Purchases that meet the conditions of loyalty programmes are tracked automatically throughout the month. Nothing to activate.
Money in your account
Real cash is credited directly to your bank account every month - automatically, with no action required.
AmicaPay
The engine in the middle.
Notify cardholders
We send cardholders and banks information about participating brands and cashback conditions.
Receive anonymised data
Processes fully anonymised transaction data after the end of the reporting period. No personal data.
Process & match
Our specialised software analyses the payment data, matches transactions to partner brands, and generates verified cashback reports.
Distribute cashback
Once merchant payment is confirmed, we generate individual distribution instructions and send cashback amounts back to the bank.
Bank & Brand
Your partners in the network.
Bank shares anonymised transaction data
The bank sends fully anonymised, aggregated transaction data to AmicaPay each month. Personal data never leaves bank systems.
Brand reviews report
The brand receives a detailed purchase report and confirms the amounts - full visibility and control before any money moves.
Brand triggers payment
After confirmation, the brand initiates payment to AmicaPay covering the cashback amounts owed for that period.
Bank credits cardholders
The bank receives payment instructions from AmicaPay and credits cashback directly into the accounts of cardholders who participated in the programmes.
You set the reward. We handle everything else.
No tech changes. No manual work. A performance-based loyalty channel that runs itself.
Join the network
No SDK, no API, no checkout plugin. AmicaPay operates through your existing payment infrastructure. You change nothing.
Customers shop as normal
Cardholders pay with their bank cards as they always have. No special checkout steps, no voucher codes, no friction for anyone.
Receive a verified monthly report
AmicaPay delivers a transaction report each month showing all qualifying purchases made by cardholders in the network.
Approve and we disburse
Once you verify the report and process payment for the amounts owed, AmicaPay ensures cashback is credited to cardholder accounts. You pay only for actual sales.
€0
Setup cost
100%
Performance-based
2-4 weeks
Time to launch
Add cashback. Change nothing.
We integrate at the data layer. Your infrastructure, your stack, and your team stay exactly as they are.
Talk to our teamSign a data-sharing agreement
A simple commercial agreement. No new infrastructure, no development sprints, no integration risk. Your programme can be live in weeks.
Share anonymized transaction data
Your systems share an anonymized, aggregated monthly transaction feed with AmicaPay. No personal data, no account details - ever.
AmicaPay attributes and calculates
Our platform matches transactions to partner brands and calculates the correct cashback amount for each qualifying purchase.
Rewards reach your cardholders
Funds are transferred via a file in an agreed format for direct credit to cardholder accounts (on a monthly basis). They receive the reward. You receive a boost in customer satisfaction, loyalty, and card transaction volume.
Simple as paying.
No new card. No new app. No loyalty scheme to join. Just use the bank card you already have.
Become a clientShop at a partner brand
Pay at any AmicaPay partner using your existing bank card. Nothing changes at checkout. No voucher code, no special process.
Your bank confirms the purchase
Anonymised transaction data reaches AmicaPay through a secure channel. No personal data. Just information that a purchase was made.
Cash lands in your account
Real money is credited directly to your bank account, automatically, every month. No claiming. No expiry. No action required.
For banks
Want to explore the model in detail?
Get in touch to arrange a meeting where we'll walk you through the architecture of the Amica Processing Hub, the existing legal framework, and specific integration scenarios for your cards and digital channels.
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